The podcast episode of Get Your Fill: Financial Independence and Long Life features host Christine McCarron interviewing Eddie Speed, a veteran with over 40 years in real estate note investing. Eddie, founder of NoteSchool, has purchased over 50,000 mortgage notes and is a leading expert in discounted mortgage notes and seller financing. He explains that owning a note means acting as the bank: investors buy real estate secured notes - promissory notes backed by property - often created through seller financing where sellers finance buyers directly, especially as traditional lending has tightened post-pandemic. This creates about 100,000 seller-financed transactions annually, with notes frequently sold in the secondary market at a discount for lump-sum cash, allowing investors to earn interest, typically 9-11%, without owning or managing property.

Eddie contrasts note investing favorably with rental properties, rent houses, noting that inflation has eroded rental cash flow to around 4% in many markets due to rising expenses like taxes, insurance, and maintenance, while notes offer higher yields with less hassle—no tenants, toilets, or 2 AM calls. He highlights low-risk strategies via his risk blueprint for underwriting -targeting 3-5% default rates, far better than FHA loans at 11% delinquency - focusing on notes with strong equity cushions, often less than 70% loan-to-value, and using third-party servicers for compliance and collections. Leverage is accessible even for beginners with limited capital, including through self-directed IRAs, his wife Martha's "Martha Model" exemplifies this for retirement and legacy building, enabling scaled portfolios with spreads over borrowing costs.

The discussion emphasizes current market timing as ideal for note investing amid rigid traditional underwriting leaving borrowers underserved, e.g., self-employed, immigrants, or those in growing markets like the Hispanic community. Eddie stresses benefits like passive income, easier inheritance than rentals, and tools from NoteSchool, including free training at noteschool.com/fill-starter, to evaluate fit—best for trainable investors open to shifting from landlord headaches to "being the bank." He positions it as a smarter alternative in today's economy, not competing with banks but filling gaps for consistent returns and wealth building.

Connect with Eddie: noteschool.com

George Jerjian, a mindset mentor and author, shares his remarkable journey on the podcast. At age 52, he received a dire diagnosis of six months to live due to a large tumor, prompting an abrupt "retirement." Though the prognosis proved wrong and his health recovered, traditional retirement left him financially secure yet profoundly unfulfilled—bored, listless, and waiting on others' schedules. He describesretirement as a historical fiction, originally designed for political and economic control (from Roman emperors to Bismarck's pensions), now outdated due to increased longevity. Most people can't save enough to sustain 20+ yearspost-65 without drastic lifestyle cuts or risking ruin from health crises, making the traditional model an illusion for the majority.

Jerjian argues that true retirement often leads to loss ofpurpose, identity, and mental stimulation, as the mind craves challenges and won't "tiptoe to a quiet death." Without meaningful activity, people fixate on ailments or regrets, competing in complaints rather than growth. His turning point came via a drastic 30-day silent retreat in Wales, where he audited his life, confronted excuses (visualized as rising bubbles in a pool), released self-judgment, and shifted from tears of sadness to joy. This inner work revealed crises as turning points for expansion, not calamities, inspiringhis book Spirit of Gratitude: Crises Are Opportunities. He emphasizes self-love (reinterpreting "love your neighbor as yourself" as requiring self-worth first), courage to unretire, and embracing new beginnings to avoid drift into regret or cognitive decline.

To help others, Jerjian developed the DARE method (Discover,Assimilate, Rewire, Expand), an 8-week group coaching process guiding retirees to reframe retirement's myths, understand subconscious programming, change inner dialogue, and create an evolving life plan. He now coaches through courses and books (including DARE to Discover Your Purpose and Odyssey of an Elder), urging a "gap year" or intentional travel to rediscover passion. His message: retirement isn't the end—it's a metamorphosis demanding curiosity, exploration, and daring to pursue what energizes you, ensuring the later years become fulfilling rather than stagnant.

Connect with George:

Website: https://georgejerjian.com/ LinkedIn: https://www.linkedin.com/in/georgejerjian/Instagram: https://www.instagram.com/retirementrebellion/ Facebook: https://www.facebook.com/retirementrebellion/

The podcast episode of Get Your Fill: Financial Independence and Long Life features host Christine McCarron interviewing Stacy Richter, CEO of Live Lingua, a language learning platform. They discuss how Live Lingua stands out from typical apps or traditional classes by emphasizing full immersion through live native-speaking tutors, community, accountability, and cultural connection rather than just memorizing vocabulary and grammar. Richter argues that true language acquisition happens through meaningful conversations on topics learners care about—like sports or business—leading to faster retention, confidence, and direct thinking in the new language instead of constant translation. Both share personal stories, such as McCarron's rapid French progress during immersion in Morocco and Richter's use of rusty German to build instant rapport in an M&A deal, highlighting how even basic proficiency creates trust, shifts negotiations, and provides practical advantages like better travel experiences or overhearing side conversations.

Beyond communication perks, the conversation explores deeper cognitive benefits: learning a language as an adult promotes neuroplasticity, rewires brain pathways, boosts creativity, sharpens problem-solving, and enhances memory—effects that outlast mere fluency and apply broadly to entrepreneurial challenges. Richter positions immersion as superior to tech-only methods (like endless Duolingo streaks that falter in real conversations) by combining live tutoring with AI tools, quizzes, and community features in a "full-stack" hybrid approach. This enables conversational ability in Romance languages like Spanish in under six months for average learners, with practice in a safe space where mistakes are expected. They touch on cultural nuances, regional dialects (especially in Spanish), evolving slang, and how understanding context builds empathy and effectiveness in global interactions.

The discussion shifts to Live Lingua's evolution from retail casual learners to scaling impact through corporate and organizational programs, such as training nurses in Minnesota to communicate directly with Spanish-speaking patients—eliminating costly delays and enabling faster, more humane care. Richter shares inspiring success stories that fuel his mission to reach 100 million people via language as a bridge to understanding. The episode closes with broader entrepreneurial reflections: Richter candidly describes the role as 85% grueling but 15% exhilarating highs that make the struggles worthwhile, offering unmatched personal impact and fulfillment—much like parenting—while urging those suited to it to embrace the rollercoaster. McCarron reinforces that language learning isn't just practical; it's profoundly mind-expanding.

Connect with Stacy: www.livelingua.com

#Languageimmersion #Cognitiveenhancement

#Neuroplasticity,#Business Spanish #Live Lingua #Fullimmersionlearning #Adultlanguageacquisition #Entrepreneurialmindset #Culturalconnection #Brainrewiring